The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$21,147
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$21,804
−HK$669/mo
Today · 4.125%
HK$22,473
baseline
▲ 0.50% · 4.625%
HK$23,840
+HK$1,367/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$44,946/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$297,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,525
−HK$1,271/mo
▼ 0.25% · 3.875%
HK$24,156
−HK$640/mo
Today · 4.125%
HK$24,796
baseline
▲ 0.50% · 4.625%
HK$26,103
+HK$1,307/mo
Deposit HK$4.64M · loan HK$4.64M · min. income ≈ HK$49,592/mo (50% DSR)
Upfront cash ≈ HK$4.93M (deposit + AVD stamp duty HK$297,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,376
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$26,165
−HK$802/mo
Today · 4.125%
HK$26,967
baseline
▲ 0.50% · 4.625%
HK$28,608
+HK$1,641/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$53,934/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,230
−HK$1,526/mo
▼ 0.25% · 3.875%
HK$28,987
−HK$769/mo
Today · 4.125%
HK$29,756
baseline
▲ 0.50% · 4.625%
HK$31,324
+HK$1,568/mo
Deposit HK$3.71M · loan HK$5.56M · min. income ≈ HK$59,512/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$297,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,605
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,526
−HK$936/mo
Today · 4.125%
HK$31,462
baseline
▲ 0.50% · 4.625%
HK$33,376
+HK$1,914/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$62,924/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,935
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,819
−HK$896/mo
Today · 4.125%
HK$34,715
baseline
▲ 0.50% · 4.625%
HK$36,545
+HK$1,830/mo
Deposit HK$2.78M · loan HK$6.49M · min. income ≈ HK$69,430/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$297,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,064
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$39,248
−HK$1,203/mo
Today · 4.125%
HK$40,451
baseline
▲ 0.50% · 4.625%
HK$42,912
+HK$2,461/mo
Deposit HK$927K · loan HK$8.35M · min. income ≈ HK$80,902/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$297,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,346
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$43,481
−HK$1,152/mo
Today · 4.125%
HK$44,633
baseline
▲ 0.50% · 4.625%
HK$46,986
+HK$2,353/mo
Deposit HK$927K · loan HK$8.35M · min. income ≈ HK$89,266/mo (50% DSR)
Upfront cash ≈ HK$1.22M (deposit + AVD stamp duty HK$297,376 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).